When comparing pet insurance companies it is important to take into account a variety of factors. While coverage is crucial, so is the range of plans and add-ons. The score will be higher if the coverage is unique and varied. Some companies offer more customization options to reduce premium costs.
Embrace offers a 30-day money-back guarantee
If you aren’t happy with your policy from Embrace, there is a 30-day money back guarantee. Customers who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations of more than 60 calendar days in advance will not be eligible for a full refund. Embrace's policy does not cover pre-existing conditions, so you should make sure you have an updated veterinary record before enrolling your pet.
Embrace offers five deductible options. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot offers full coverage at 100 percent
Spot offers several coverage options for your pet. These include accident-only, 100%, or a combination. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. The site also has a FAQ page as well as sample policies. An app can be downloaded for Android or iOS.
After your annualdeductible has been met Spot covers the majority of common vet costs for your pet. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. You can submit claims online or through the Spot app. Spot will contact the vet to verify your pet's records once you submit the claim. Spot offers a 10% discount for multiple pets.
Hartville has three levels of coverage
Hartville offers three different levels of coverage to suit the needs of different pet owners. The base package covers routine annual examinations and dental cleaning. The prime policy covers more expensive medical services. The premiums for each type of policy will differ, but the company offers a discount for multiple pets.
Hartville is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. However, pet owners may not have the means to pay the high premiums. The company also offers a mobile application which allows customers to manage and update their policies. In 2017, Hartville merged with the Crum and Foster Pet Insurance Group, which is one of the largest pet insurance providers in the U.S.
Figo has unlimited payouts
Figo's uncapped payout benefits aren't tied to any particular condition. Customers can receive as much money to pay for their vet bills as they require. With Figo, you can choose from an unlimited number of annual benefits, or you can choose to pay a deductible of as little as $500. After that, you'll receive 100% reimbursement, up to the annual benefit you choose.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. The company is backed by two major insurance companies, Markel American Insurance Company and Independence American Insurance Company. Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also provides a mobile app.
Lemonade offers a discount on multiple pets
Lemonade is a highly competitive insurer that offers customizable plans and low prices. However, there are limitations to its plans. The company's ability to quickly process claims is one of its major advantages over other pet health insurance companies. Lemonade claims processing times are lightning fast. While other companies may take weeks, or even months to process a case, Lemonade promises that they will process it in minutes. This is a significant benefit for pet owners. Be aware, however, that not all plans cover pre-existing conditions.
Lemonade has a multi-pet wellness program. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine dentistry care. Multi-pet policies can also be eligible for a discount of 5%.